It’s that time of year again! Back to school is looming, which means it’s time to confirm over-age dependant student status. Although specifics may differ by insurer, in general, dependant children over the age of 21 may be eligible for continued group benefits coverage if they are:

• a full-time student; and
• over the age of 21 but under the age of 25 (26 in Quebec); and
• dependant on the plan member for maintenance and support (not working full-time).

Coverage for over-age dependants is not automatic; most insurers terminate coverage for over-age dependent children by the end of August each year unless they receive proof or confirmation of qualifying student status for the school year ahead.

To avoid a loss of coverage, now is a good time to review and implement your administrative practices for this confirmation process. This will help prevent surprises to your affected members come September.